437 GANDY CEMETERY ROAD, BARTOW, FL, 33830
Active96 days on marketListed Jul 9, 2026MLS #TB8527383
About this home
437 GANDY CEMETERY ROAD
SELLER IS OFFERING A RATE BUYDOWN OR A CREDIT TOWARD CLOSING COSTS — IF RATES ARE THE ONLY THING HOLDING YOU BACK, LET'S TALK NUMBERS. This 4-bed, 2-bath custom ranch sits on just under an acre in Bartow's Dean Ranch — no HOA, no CDD, and room to actually use your land. Built in 2021, 2,427 heated sqft, stone counters, high ceilings, and a home office already in place. Here's what most listings don't have: a fully fenced lot with gated keypad entry and two-way intercom, extra concrete parking, RV parking, boat parking, and a shop that's the real deal — insulated walls and doors, three 10-ft bay doors, air lines run throughout, and a 4-post car lift already installed. A whole-property generator covers the house and the shop, so storm season stops being a threat. Outside is built for actual Florida living — covered patio, screened room, and an outdoor kitchen with a dishwasher. Irrigation, gutters, public water, septic, all handled. Minutes off Hwy 60 to Bartow, Lakeland, and Winter Haven. Mechanics, car guys, RV owners, anyone who wants space and a shop without an HOA saying no — this is built for you. Ask about seller concessions and come see it in person.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,427
Sqft
0.99 ac
Lot size
6
Garage
2021
Year built
One
Levels
$264
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,309 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,309/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+92.7%
$/sqft vs Bartow actives
$264 vs $176
Days on market
96 vs 57 typical
Where $264/sqft sits among the 141 Bartow actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bartow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bartow. See the full Bartow guide →
BARTOW 33830 — neighborhood snapshot
Population
32,738
Median age
36.2
Median income
$62,636
Median home value
$207,900
Avg household
2.91
Households w/ children
3,768
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bartow market
$303K → $312K
Bartow median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
70 of 141
Bartow actives have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 101% above the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 437 GANDY CEMETERY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$490,000
401 GANDY CEMETERY ROAD · same community
4 bd · 3 ba · 2,427 sqft · $202/sqft · 102 DOM
Sold · Jun ’26$409,785
1318 POMELO PLACE
4 bd · 2 ba · 2,395 sqft · $171/sqft · 0 DOM
Sold · Oct ’26$330,000
3690 WELLINGTON PLACE
4 bd · 2 ba · 2,524 sqft · $131/sqft · 47 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 437 GANDY CEMETERY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 437 GANDY CEMETERY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
437 GANDY CEMETERY ROAD FAQs
What would the monthly payment be for 437 GANDY CEMETERY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,309/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 437 GANDY CEMETERY ROAD?+
The most recent tax bill on record (2025) was $5,467. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 437 GANDY CEMETERY ROAD?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Bartow?+
At $639,999, this home is listed about 99% above the Bartow median of $322,350. The market section on this page shows how the area is trending.
Which schools are assigned to 437 GANDY CEMETERY ROAD?+
Spessard L Holland Elementary (elementary), Bartow Senior High School (high), Bartow Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$639,999 runs 101% above the BARTOW 33830 median — but at 2,427 sqft it's also 33% larger than the typical Bartow listing.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $730,000, now $639,999 — a $90K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Brian Sandstrom. MLS #TB8527383.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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